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Let’s start the year off on the right foot by proposing some good news. What if all the dire warnings about the lack of retirement readiness are wrong? “Ridiculous!” you say? With a 2016 study from the Economic Policy Institute (EPI) saying the mean retirement savings is only $5,000 and with Aon-Hewitt’s much quoted “85 percent salary replacement ratio,” it’s easy to see how there might be a retirement crisis.

Christopher Carosa


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